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International Personal FinanceCHIX:IPFL 59 Equity-to-Asset is 0.39 as of Jun. 2026, which is 5% above its 10-year median of 0.37. GuruFocus rates CHIX:IPFL with a GF Score™ of 59/100 and a GF Value™ of £1.69 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 548 Credit Services companies, International Personal Finance ranks worse than 50.36% on this metric.
International Personal Finance (CHIX:IPFl) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
International Personal Finance Equity-to-Asset Related Terms
International Personal Finance Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
International Personal Finance Equity-to-Asset Chart
CHIX:IPFL vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, International Personal Finance's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
International Personal Finance Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, International Personal Finance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where International Personal Finance's Equity-to-Asset falls into.
International Personal Finance Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
International Personal Finance (CHIX:IPFL) has a Equity-to-Asset of 0.39 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on International Personal Finance and its competitors. This is near median its historical median of 0.37. Over the past decade, International Personal Finance's Equity-to-Asset has ranged from 0.32 to 0.42. According to the industry distribution chart, International Personal Finance ranks #276 out of 548 companies in the Credit Services industry, placing it in the top 50.4%.
Is International Personal Finance's Equity-to-Asset too high?
International Personal Finance's current Equity-to-Asset of 0.39 is near median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 0.42. The Credit Services industry median Equity-to-Asset is 0.40. International Personal Finance's value of 0.39 is 2.5% below this industry median. Based on the distribution chart, International Personal Finance ranks #276 out of 548 companies in the Credit Services industry, which is below the industry midpoint. Overall, International Personal Finance has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does International Personal Finance's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, International Personal Finance ranks #276 out of 548 companies for Equity-to-Asset. This places International Personal Finance in the lower half of its industry. The industry median Equity-to-Asset is 0.40. International Personal Finance's value of 0.39 is 2.5% below this benchmark. Historically, International Personal Finance's own Equity-to-Asset has ranged from 0.32 to 0.42 over the past decade. While the company's 10-year median is 0.37 vs. the industry median of 0.40, International Personal Finance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. International Personal Finance's current Equity-to-Asset of 0.39 is 2.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on International Personal Finance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. International Personal Finance's current Equity-to-Asset is 0.39, which is near median its own 10-year median of 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is International Personal Finance stock overvalued right now?
Based on GuruFocus' analysis, International Personal Finance (CHIX:IPFL) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.69, compared to a current price of £2.50 — trading 47.6% above its estimated fair value. The current Equity-to-Asset is 0.39, which is near median its 10-year median of 0.37 and 2.5% below the Credit Services industry median of 0.40. International Personal Finance's overall GF Score™ is 59/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For International Personal Finance (CHIX:IPFL), the current Equity-to-Asset is 0.39 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is International Personal Finance (CHIX:IPFL) Overvalued in 2026?
Based on GuruFocus' analysis, International Personal Finance stock appears to be overvalued.
The current stock price of £2.50 is trading 47.6% above its estimated GF Value™ of £1.69.
GuruFocus considers International Personal Finance to be Significantly Overvalued.
Key valuation signals for CHIX:IPFL:
Equity-to-Asset: 0.39 (near median its 10-year median of 0.37)
GF Value™: £1.69 vs. price of £2.50 (47.6% above fair value)
Industry Position: 2.5% below the Credit Services median (#276 of 548)
No single metric tells the full story. See the CHIX:IPFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
International Personal Finance PLC provides consumer loans. The company's segment is based on geographical regions: European home credit, Mexico home credit, and Digital. It generates maximum revenue from the European home credit segment. The company home credit business operates as the Provident brand and makes small, unsecured loans to customers with low or unstable incomes and little to no credit history. Its digital business provides loans and revolving credit lines that customers access online.
59GF Score
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